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Your earn rate is as follows:

• 1% unlimited cash back for all non-PIN debit card purchases*
• 2% cash back on online purchases at: Amazon.com^®, iTunes^®, Target.com, Apple.com, Walmart.com and Bestbuy.com.* Online purchase bonus perks limited to $2,500 in spend every calendar year.
• 2% cash back in-store, when you have a Current Account Balance of $5,000 or more at: Walmart, Target^®, Best Buy^® & Apple^® stores.* Offline purchase bonus perks limited to $2,500 in spend every calendar year.
• 2% unlimited cash back when you and a friend use your cards together at the same restaurant, bar or coffee shop.* Transactions must occur within 60 minutes of each other to qualify.
• 5% cash back on special categories and merchants we announce every month via Twitter (@perkstreet), our Facebook page or other company communications.* PowerPerks bonus perks limited to $5,000 in spend every calendar year.

*Some redemption options require you to use additional perks beyond the redemption value, effectively reducing your cash back rate.

^†According to the U.S. Bureau of Labor Statistics, the average American spends $601 per week on purchases that could be put on a debit card. $601 in weekly non-PIN purchases can earn $563 in perks annually, including 1% cash back on purchases, up to $25 in the 2% online shopping bonus, up to $25 in 2% offline shopping bonus, and up to $200 in 5% PowerPerks bonuses.

To determine your starting Current Account Balance, we use your closing balance after all settled transactions from the previous business day. Pending purchases and transactions are not included in your Current Account Balance. Unless specific stores are named, qualifying purchases are determined by Merchant Category Codes.

This offer and the calculation of perks are subject to the terms of the PerkStreet Rewards Program Agreement. We may modify or cancel this offer at any time.

$1,000 in perks is based on actual PerkStreet customers' total perks earned in 2011 at a 1% cash back rate.

The MasterCard Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by MasterCard, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.mastercard.us/zero-liability.html. Conditions and exceptions apply - See Cardholder Agreement.

The merchants represented are not sponsors of PerkStreet perks, or otherwise affiliated with PerkStreet Financial, Inc. The logos and other identifying marks are trademarks of and owned by each represented company and/or its affiliates. Used under license. Please visit each company's website for additional terms and conditions of use.

The Bullseye Design, Target, and Target GiftCard^® are registered trademarks of Target Brands, Inc. All rights reserved. Terms and conditions are applied to GiftCards. Target is not a participating partner in or sponsor of this offer.

The PerkStreet Financial^SM Debit MasterCard^® is issued by The Bancorp Bank pursuant to license from MasterCard International Incorporated. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

©2012 PerkStreet Financial, Inc. All rights reserved.